Updated: December 29, 2025
Advertising & Editorial Disclosure
Imperial Insurance Companies, Inc. offers the lowest health insurance rates in Nevada at $643 monthly, making it the most cost-effective choice.
SelectHealth, Inc. provides the most affordable coverage for young adults, adults, seniors and HMO plans, while Hometown Health delivers competitive PPO rates and Hometown Health excels in EPO plan pricing.
Smart shoppers should determine their ideal coverage level first, verify subsidy eligibility through HealthCare.gov and request quotes from multiple insurers.
The cheapest health insurance policies in Nevada come from Imperial Insurance Companies, Inc., with an average monthly premium of $643. Imperial Insurance Companies, Inc. is the most affordable statewide, with availability varying by county.
Consider SelectHealth, Inc., Hometown Health, Health Plan of Nevada, Inc., Ambetter and Molina Healthcare of Nevada, Inc. for competitive health plan rates.
| Imperial Insurance Companies, Inc. | $643 | $146 | $7,716 | $1,752 |
| SelectHealth, Inc. | $687 | $102 | $8,244 | $1,224 |
| Hometown Health | $716 | $73 | $8,592 | $876 |
| Health Plan of Nevada, Inc. | $738 | $51 | $8,856 | $612 |
| Ambetter | $849 | $60 | $10,188 | $720 |
| Molina Healthcare of Nevada, Inc. | $850 | $61 | $10,200 | $732 |
| Anthem | $871 | $82 | $10,452 | $984 |
| CareSource Nevada Co. | $880 | $91 | $10,560 | $1,092 |
| Community Care Health Plan of Nevada | $912 | $123 | $10,944 | $1,476 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Nevada. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average. Your actual rates will vary based on age, location and chosen plan.
Average Monthly Rate
Average MOOP
Average Deductible
The most affordable plan for you varies based on age, plan type preference and metal level. You should also weigh premiums against deductibles and maximum out-of-pocket (MOOP) costs. We've organized the most affordable options by category below for most in the state:
| Teens | SelectHealth, Inc. | $369 | $4,431 | $8,250 | $6,250 |
| Young Adults | SelectHealth, Inc. | $414 | $4,970 | $8,250 | $6,250 |
| Adults | SelectHealth, Inc. | $517 | $6,203 | $8,250 | $6,250 |
| HMO | SelectHealth, Inc. | $517 | $6,203 | $8,250 | $6,250 |
| EPO | SelectHealth, Inc. | $535 | $6,420 | $8,250 | $6,250 |
| With Health Savings Account Elligibility | Hometown Health | $577 | $6,919 | $6,900 | $3,450 |
| Seniors | SelectHealth, Inc. | $1,098 | $13,172 | $8,250 | $6,250 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Your metal tier choice affects the balance between monthly premiums and out-of-pocket costs when you need care. Bronze plans feature the cheapest monthly payments but require more cost-sharing when you visit doctors.
Platinum plans cost more each month but minimize expenses for medical care. Choose based on your healthcare needs. Bronze saves money if you're healthy, but Gold or Platinum work better if you see doctors frequently.
Imperial Insurance Companies offers the cheapest insurance for both Bronze and Gold plans, with state averages as low as $417 for Bronze plans. SelectHealth has the lowest Silver plan rates at $517 monthly.
| Bronze | Imperial Insurance Companies, Inc. | $417 | $4,999 | $10,000 | $7,500 |
| Silver | SelectHealth, Inc. | $517 | $6,203 | $8,250 | $6,250 |
| Gold | Imperial Insurance Companies, Inc. | $655 | $7,860 | $8,100 | $1,600 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Find the most affordable health insurance options in Nevada that match your needs:
| SelectHealth, Inc. | Med Silver 7500 Health Deductible - No deductible for office visits | $510 | EPO | Silver | $8,500 | $7,500 | 40 | No |
| SelectHealth, Inc. | Med Silver 5000 Medical Deductible - No deductible for office visits | $560 | EPO | Silver | $8,000 | $5,000 | 40 | No |
| Anthem | Anthem Silver X EPO 5500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives) | $726 | EPO | Silver | $8,500 | $5,500 | 40 | No |
Use these tips to lower your premiums without losing coverage for the medical services you use most often.
Your ideal coverage level depends on your health situation and financial resources. Start by reviewing how much you can allocate monthly for premiums, then assess your medical needs and risk factors like age, lifestyle and location. Consider which type of plan offers the right coverage and affordability for your circumstances.
Your eligibility for 2026 health insurance subsidies depends on household income and family size. Premium tax credits are available for incomes ranging from 100% to 400% of the Federal Poverty Level. Families with lower incomes receive more financial assistance.
Nevada residents 65 and older should investigate Medicare programs before shopping the marketplace. Medicare Advantage plans and Medicare Supplement plans often provide better value and more provider choices than standard marketplace options.
Check each plan's formulary for medications you take regularly. Insurance companies vary in how they categorize drugs, with some placing common prescriptions in lower-cost tiers.
Nevada's Open Enrollment period runs November 1 through January 15 each year. You may also enroll during Special Enrollment if you lose job-based coverage, get married or have a baby.
Nevada's most affordable health insurance comes from Imperial Insurance Companies, Inc., SelectHealth, Inc. and Hometown Health. These are our recommendations, though you should get quotes from multiple companies.
Below are answers to typical questions about affordable health insurance in Nevada:
Nevada's most affordable health insurance comes from Imperial Insurance Companies, Inc., with Silver plans averaging $643 monthly for 40-year-olds.
Affordable health insurance plans come with high deductibles that can reach $8,000 annually and maximum out-of-pocket costs up to $9,100. These budget options also limit your provider network, excluding many top hospitals and specialists, plus offer minimal coverage for mental health care and prescription drugs beyond basic requirements.
You may qualify for subsidies to help lower your monthly premiums through Nevada Health Link, Nevada's health insurance marketplace. Subsidies are available based on your household income and size. Simply enter your income information when applying to see if you're eligible for financial assistance.
Nevada residents can enroll in health insurance during Open Enrollment from November 1 to January 15. You may also qualify for Special Enrollment if you experience a qualifying life event like job loss, marriage or having a baby.
We gathered plan information from Nevada Health Link for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. The cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is most common demographically and provides clear comparison.
Age-specific rankings use their respective premium costs. Keep in mind that lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
